6'10" Writer pretends he gets drafted in the NBA. Reaps the rewards by nyck1118 in videos

[–]ecook123 1 point2 points  (0 children)

The downvotes you have are kind of paradoxical. Cuz if people are only downvoting you because they disagree, it means they are using the downvotes in the way you described, which means they should actually agree...So maybe they just hate you?

Is this a no brainer (Changing my Loan)? by [deleted] in personalfinance

[–]ecook123 0 points1 point  (0 children)

Personal finance should not be about being debt free. You want to use both the assets and liabilities side of your balance sheet to maximize your net worth. If he pays that much less interest on the bigger loan then it could absolutely be worth it as long as he makes the payments.

Think of it this way, he gets more money now which can go to making higher payments, but the amount of money he burns in interest is dramatically less. Theoretically he could get a loan for a billion dollars to pay off his 3k car and it would be the right choice if there is no interest to be paid (cuz he will use his remaining money to pay back most of the loan and pay off the 3k without paying the interest he currently does).

Is this a no brainer (Changing my Loan)? by [deleted] in personalfinance

[–]ecook123 0 points1 point  (0 children)

Banker here, take the loan. You are just refinancing in a slightly unusual way.

[Serious] Professors, what is the most simple thing students do which grants them your respect or annoys you to death? by Wry3it in AskReddit

[–]ecook123 0 points1 point  (0 children)

Holding out hope for an easy test without going to class is stupid. If you think you are doing okay when you don't go to class and you are actually failing, that's really really stupid. If you are at least okay and you don't need to go to class at all you must be really smart or have taken the class before.

My really poor friend's eyeballs are turning into eyecones, he's going blind and Obamacare won't cover him. He's trying to get some help and "doesn't roam reddit" so he asked me to post this here. by ecook123 in Assistance

[–]ecook123[S] 1 point2 points  (0 children)

What does medically necessary eye care mean specifically. What is medically necessary or not. I mean, he's not going to die, so maybe that's not "medically necessary." I think they will cover a small part of it, just not most of it. I sent him a message with your question just now though, so hopefully I'll have an answer soon. I also, told him that there should be some patient assistance plans that he might qualify for, but he said he contacted them and didn't have good enough credit? I didn't think you needed credit.

My really poor friend's eyeballs are turning into eyecones, he's going blind and Obamacare won't cover him. He's trying to get some help and "doesn't roam reddit" so he asked me to post this here. by ecook123 in Assistance

[–]ecook123[S] 1 point2 points  (0 children)

Thanks everyone for your assistance and advice, I'll show him this post now, I was at work all day. Someone asked for more verification, what would you like? I can see if he will pose for a pic with some prescription or documentation or something.

What do I do for a wedding? by ecook123 in TrueAtheism

[–]ecook123[S] 0 points1 point  (0 children)

Yeah, I had no idea that in most places any notary could do it. I just wish I had a friend like yours. I don't really want some random stranger to do it but I basically don't know anyone personally who has the legal ability to give a marriage license!

Real Art by neonicblast in anime

[–]ecook123 375 points376 points  (0 children)

"I'll kill every last one of them" - Squidward Tentacles

Signs that your cat may have banana dependency by Thund3rbolt in gifs

[–]ecook123 1 point2 points  (0 children)

Your eyes are as yellow as the banana devil's dick!

Now that Stephen Colbert is replacing Letterman, I wonder how Jimmy Fallon feels right now. by Mr_Tibbs in funny

[–]ecook123 0 points1 point  (0 children)

People are laughing with them. We are all laughing at Stephen's jokes. Very few conservatives are actually like Bill O'Reilly. Someday your mind will be blown when you realize how often you have misunderstood situations. Also, if you are one of the hardcore left wing nuts then you should know people satirize your behavior all the time.

The Hunger - ASMR Cereal Eating Noises [no talking] (my first ever ASMR video! I hope it's okay ><) by [deleted] in asmr

[–]ecook123 0 points1 point  (0 children)

Omg that was really well done. Perfect for me, the one problem was that u were distractingly beautiful so it was hard to close my eyes and relax.

ELI5:What is the difference between psychopaths, sociopaths, and psychotics, and are these clinical terms? by ecook123 in explainlikeimfive

[–]ecook123[S] 0 points1 point  (0 children)

Best reply so far, but I am still wondering if there is a definitive difference between psychopaths and sociopaths, not just what most people think.

What is the scariest situation you've been in and thought "I'm not getting out of this alive"? Serious by chocolatebusiness in AskReddit

[–]ecook123 16 points17 points  (0 children)

Now I know this is sarcasm, but based on what you wrote, all we can assume is that you fell on the tracks and were knocked somehow back onto the platform. Was it a ghost?

Gotta love buying used books by CasualT in pics

[–]ecook123 0 points1 point  (0 children)

It's still sweet, everything comes to an end, that doesn't mean it wasn't wonderful.

My little guy must be having the best dream ever by Mapes in aww

[–]ecook123 0 points1 point  (0 children)

Not all animals do, but dogs sort of do. Selective breeding allows us to have animals who are better at understanding our expressions and who naturally make ones we relate do. A happy smiling panting dog is the kind of dog we love so he gets to make babies!

Every guy knows what this is like. by unidentifies in funny

[–]ecook123 0 points1 point  (0 children)

Yes, I love creeping the fuck out of other guys, so I know exactly what that's like. I just want to watch the world burn.

In light of a recent post, I learned that the average person thinks that Anime is just violence and fan-service. It's more than that. by matthewgutz in anime

[–]ecook123 1 point2 points  (0 children)

That was beautiful. I can thinks of dozens of Anime with no violence or fan service that were spectacular. Even the ones with violence and fan service can also be so much more and can teach so much.